Earn more than a traditional savings account
Refi Your Ride
as low as
5.09
%
APR
The APR (Annual Percentage Rate) is effective as of 07/01/2024. Rates range from 5.09% to 18.00% APR with terms up to 100 months. Upon submitting an application, you may qualify for a higher or lower loan amount and/or higher APR. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal auto loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Even with a lower interest rate or monthly payment, paying debt over a longer period of time may result in paying more interest. Full coverage insurance with a maximum deductible of $1,000 is required on all auto loans, including refinances. The borrower is responsible for adding Arkansas Federal as a lienholder. Offer and rate advertised are subject to change without notice. Membership with Arkansas Federal is required.
%
APR
Plus, no payments for up to 90 days!Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract.
Love your ride, but not your payment? Refinance with us, and you could enjoy up to 90 days of no payments!Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract. Use the extra cash in your wallet to buy something fun, pay off some bills, or add to your savings – you decide! Not convinced yet? Keep scrolling for more great reasons to refinance today!
Rates & Terms
| Rates as low as | Term | Loan Amount | Approx. Loan Payment |
|---|---|---|---|
| 5.09% APR1 | 48 months | $30,000 | $692 |
| 5.34% APR1 | 60 months | $30,000 | $570 |
| 5.59% APR1 | 72 months | $30,000 | $491 |
| 6.09% APR1 | 84 months | $30,000 | $439 |
Arkansas’ #1 Auto Lender
There’s a reason we’re Arkansas’ #1 Auto Lender. More Arkansans trust Arkansas Federal with their auto loan needs than any other Arkansas-based lender. Experience the difference yourself today!
Features & Benefits
Refi Now. Pay Later.
Enjoy up to 90 days before your first payment is due.Interest continues to accrue during the deferred payment and credit score determines rate. First payments may be due up to 90 days from the date of the signed contract.
$0 Application Fee
There’s no cost to apply and no origination or pre-payment penalty fees.
Lower Your Payments
With our competitive rates and terms, you could lower your monthly payment.